Every hurricane season we field some version of the same call. A homeowner in Texas City, Galveston, or Freeport is ready to buy a TWIA policy, the down payment is sitting in the checking account, and the closing is nine days out. Then the application comes back, and the answer is no — not because of the roof's age, not because of a claim history, but because there is no WPI-8 on file. It is a frustrating answer, and it is worth understanding why TWIA gives it. The Association is not exercising discretion in these cases. It is following the statute that created it.
Kids explore everything, and that curiosity is part of what makes childhood fun — but it also means everyday spaces in your home can hide risks you might not think twice about as an adult. A few thoughtful changes around the house can prevent the kinds of accidents that send families to the emergency room every year.
It's a question we hear often in Texas City, especially once a tropical system starts showing up in the forecast: can I still get flood insurance now, or is it too late? The honest answer is that it depends on your policy type and timing, and understanding how flood insurance waiting periods work can save you from a co
Living near the Texas Gulf Coast means flooding isn't a rare or distant threat — it's a real possibility every hurricane season, and sometimes even after a heavy afternoon thunderstorm. Whether you're right along the water or a few miles inland, knowing how to prepare, evacuate, and recover safely can make all the diff
Explore activities like dancing, gardening, & yoga to keep seniors healthy. Contact us for tailored insurance solutions today!
Learn 9 ways to protect your home from windstorms. Ensure safety & get windstorm insurance. Contact Brad Spurgeon Insurance Agency today!
Learn 4 roofing maintenance tips to protect your home. Update your home insurance for better coverage. Contact Brad Spurgeon Insurance Agency today!
Understand when to inflate your tires for safety & efficiency. Contact Brad Spurgeon Insurance Agency for your insurance needs.
Learn essential tips for flash flood safety, including preparation & recovery. Contact Brad Spurgeon Insurance Agency for flood insurance solutions.
If you've lived on the Gulf Coast for any length of time, you already know that windstorms aren't a matter of if but when. Between tropical systems rolling in off the water and the strong seasonal gusts that sweep through Galveston County, Texas City homeowners face wind exposure most of the year. The good news is that